Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Joe Yank

Great Overall Experience

I am not typicaly someone who submits reviews, but in this instance, the performance of Embrace and the overall positive experience warrants 10 minutes of my time. As a new pet owner, I was leary about purchasing health insurance for our puppy. My comparitive research with other insurers led me to Embrace. The onboarding process was seamless and their claims processing and timeliness is commendable. Our dog has been in and out of vets for the last six months and we have submitted no less than 20 claims, totaling more than $10,000. I have never spoken to an Embrace agent or been questioned on any care provided to our dog, despite a blood transfusion, extended stays at animal hospitals, and other expensive procedures. The claims process is all electronic. We are notified via email when the claim is received, when it is processed and finally, when payment is sent. I would highly recommend Embrace for any pet owner considering insurance.
5

out of 5

POSTED: | BY: Heidi Peterson

Best pet insurance company

My 10 month old newfie puppy has had to have multiple surgeries for hydronephrosis, hydroureter plus FCP of both elbows. Embrace covered everything, reimbursing me quickly. They even took the time to check up on my puppy to make sure he was doing OK. Great customer service!
5

out of 5

POSTED: | BY: Michelle

Very happy that I chose Embrace Insurance

I started by insuring a dog I adopted from rescue, followed by my cat, and will now be adding yet another newly rescued dog to the policy. I have thus far only used the Wellness Plan reimbursement but I've been grateful for the help with budgeting for regular care. I appreciate the piece of mind in knowing that when my pets need care for accident or illness, they will be covered. The customer service has been great. When I encountered one problem, the employees were diligent about getting things resolved and keeping me in the loop.
5

out of 5

POSTED: | BY: wendy wilde

So thankful that Embrace helped with my huge bill

The claim was handled promptly and my experience with them was terrific and provided me with great relief when my puppy needed emergency surgery after swallowing a large chunk of tennis ball that blocked his small intestine.
5

out of 5

POSTED: | BY: pam

Fast payment and great email updates

Wonderful customer service via email. They follow through every step of the process. Happy with this company. We have been customers for several years
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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